Tomorrow is the end of monsoon season in AZ, fall is here it is under 90 and lows will be in 60’s burr… Tuesday is the official day I can start talking about all the new and exciting changes in Medicare. So many plans so many options. Don’t waste your time attending endless seminars only to be confused on who what and where. I have been certified and trained in every Medicare plan in the state. Call today and get your free ( that’s right never a charge) benefits analysis. Not yet 65 need some help navigating the transfer or do you need help with the under 65 marketplace open enrollment starting Nov 1 Got you covered!!

Contact me by email or text or voice or fill out a contact info*no information is sold to anyone

Worth repeating

This a a post from the office of Social Security

To all my Seniors please do not answer text or emails from Social Security If you have any questions call me there is never any cost for my services





Someone recently went “phishing” for personal information, but an observant citizen didn’t take the bait and reported the new email scheme.

Check out the email below, from an “SSN Administrator,” with the subject line, “Your SSN Update.”

Although at first glance this may appear to be a legitimate email from the Social Security Administration (SSA), complete with SSA’s official logo, it’s actually a phishing attempt to obtain your personal information, including Social Security numbers (SSNs) and financial account numbers.

By using SSA’s logo and referencing a recent “cyber attack on our … administrative database,” the sender hopes that you might automatically “CLICK HERE” and respond with your SSN and other identifying information.

Unfortunately, if you do click, you may be providing criminals—not SSA—information to gain access to your accounts. This could lead to Social Security benefit fraud or identity theft.

Don’t fall for it. If you receive something that looks official, please take a few extra moments and read the message carefully. You may notice that the message is written by someone who doesn’t know English very well. It may have misspelled words or poor grammar.

Besides email, we’ve also received reports of scammers attempting to obtain personal information through phone calls and text messages.

In November, we alerted you to a texting scheme in which people received suspicious text messages, asking them to call a number for information about their Social Security disability benefit claim. In fact, these texts were not from SSA—they were from unknown people posing as government officials to obtain personal information.

Previously, we’ve warned you about similar phone schemes. We’ve heard stories about people receiving calls from “SSA employees” selling insurance and requesting birth date information.

The Social Security Administration does not send unsolicited emails or text messages requesting personal information that should already be in its records. Really, no government agency would do this. In fact, the Federal Trade Commission warns consumers that legitimate businesses and government agencies “don’t ask you to send sensitive information through insecure channels.”

The FTC has several tips to help you avoid a phishing attack, including

  • using trusted computer security software,
  • using caution when receiving emails with attachments from unknown sources, and
  • monitoring your financial accounts and statements for irregular activity.

SSA employees may call you in limited situations, such as if you recently filed a claim or have other Social Security business, but you should not have to provide your personal information, like your Social Security number or bank account number. Agency employees will not make unsolicited calls and request personal information.

To verify the legitimacy of text messages, emails, or phone calls, you may contact your local Social Security office, or call Social Security’s nationwide toll-free customer service at 1‑800-772-1213. (Those who are deaf or hard-of-hearing can call Social Security’s TTY number at 1-800-325-0778.) Be sure not to use phone numbers or links provided in a suspicious email, text, or phone call. 

Finally, we encourage you to set up a “my Social Security” account at Establishing a legitimate account will prevent someone else from using your personal information to set up an account in your name.

And if you receive a letter from Social Security about a “my Social Security” account—but you haven’t created one—please call SSA or take the letter to a local Social Security office.

You can read more about Social Security phishing emails here:  And visit for general tips on how to protect yourself from identity theft online.  TAGS: AVOIDING FRAUDITSOCIAL SECURITY NUMBERS


Written by Charles Ferrell

You may have received information stating that Medicare supplement Plan F is going away as of December 31, 2019. Let me reassure you, If you currently have a Medicare supplement Plan F, it is not going away and is guaranteed renewable as long as you pay the plans premiums.

What has changed however, is that newly eligible Medicare beneficiaries, defined as those eligible for Medicare beginning in January of 2020, will not be able to purchase a Plan F Medicare supplement.

Plan G could be a choice for you to save money. It has the exact same medical coverage as Plan F but you would be responsible for the yearly $185 Part B deductible. In order to qualify, you would have to pass the medical underwriting questions Currently, now you just show your Plan F supplement card and all Medicare approved charges are covered (peace of mind).

If you would like more explainion or discuss your options, please contact me and I will be happy to help you

Sincerely Sheri

It’s Summer Now But AEP is around the corner


It is almost here! No I am not talking about Christmas,  it is almost open enrollment time. Most company insurance, Medicare and the Independent Markets will all be asking you this question. Are you happy with what you have or do you want to change. Need help?…. There are no stupid questions in the coming days I will post about deferring Medicare, HSA creditable coverage and penalties. Stay tuned


The Beginning

This site is a work in progress and I am a self taught web designer to add to my other career choices. My husband is always correcting my spelling so I am sure that spellcheck did not save me from all errors. So grace please !!

Nice job! – ED